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24 x 7 Customer Service

^Va I lie Proposition Cain-eoo-ssa-mior Email

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Buying a New Home?

Apply Qnllne
Get e home loan decision
, even before you find a home.

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Refinancing Your Home?

Apply Qnling ; .

Choose e lower rate, payments to

individual needs.

Today's Rates: Fri Aug 16,
2002 10:02 AM EDT

our Process Calculators

Find out which type of home Look here for tips on how

loan may be best for you. finance your next home.

Articles/Tips glossary

. Look here for tips on how to Look up our site terms,
finance your next home.

Programs

30-Year Fixed

2Q-Ye?r Fixed

) 5-Year Fixed

Rates APR
5.884% 5.920%
5.817% 5.830%
5.301% 5.360%

More Rates

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Apply Now

24 x 7 Customer Service
CaU 1-800-5S5-I234 or Email

Welcome to the AppJy Now section of our Web site, where you can
quickly and easily apply for a mortgage loan to buy a house — even
if you haven't selected a property yet — or refinance the loan on your
existing house. 1 '.' ,

At the beginning of the application process, to ensure the security of
your data, well ask that you register, creating a usemame and
password. Once you've registered and are ready to start, well ask for

- . . The property you want to purchase or refinance (or. if you're
purchasing a home and havenl yet found a property, the area
in which you'd Gke to purchase)
. Yourself and any co-borrowers
" . Your credit •
. Yourincome
■ . Your assets -\.

• : - Your debts r /

Because of the reduced amount of documentation that we require,
and because of our advanced automated underwriting procedures,
you can fin out your application and get a decision in minutes, not
hours or days.

And filling out the application doesm take much time — if users
gather the information and materials they need before they fill out the
application, they typically can complete the application In 10 to 30
minutes. You can find a list of the information and materials yoOU- .
need by visiting the Checklist in the Learn More section of our site.

If you're ready to begin, head to our Registration page. If you've
already registered and would like to finish your application or review
your approved loan, go to our Returning Users page.

FIG. 12

ABCKo'm^lVTaFtgade^

24 x J Customer Service
CoDl ■800-555' 1234 or Email

To keep your information secure throughout the loan-application process, please create a
usemame and password to ensure that only you can access your confidential information. If you
exit the site and return later, you will need to log in with your usemame and password to access
your information. ■

This site is best viewed in internet Explorer 5.5 or above.

Have you already registered? Click here to looin.

\3i°

Usemame

[KenBass

First Name

[Ren"

L I

|Bass_

Email Address ken_Bass@Fanr

Password

(6-20 characters with 81
least one being a number.)

Verify Password

'please select a Question from the drop-down list below and type in your answer. If you forget
your password, we will ask you to provide the answer to your question before we send your
j to you.

Question

[ Mother's

Maiden Name

[ smith

fs) Bead Houdofl Lud- 1 C^yttfH 2002. ABC Haw Morta»g*

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Loan Application

Step 1: About the Loan
g View Gtea»rv

24 x 7 Customer Service
Cat! 1-800-555-I234 orEmaa

What tstfv

of this loan?

cy. Purchase — I have selected a property and signed a sales contract or purchase

C Purchase — I have not yet selected a property.
JO Refinance my home to reduce the rate/term.
C Refinance my home to take out equity.

How many borrowers will be on this loan?

it Ookx In ht***r orh In vuteulMv

FIG. 14

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Q Aboirt the Hoas
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j^2 0

24 x 7 Customer Service
CaUl -£00-555-1234 or .Email

Loan Application

Step 2: About the Home

Please provide the following information about the property you are purchasing.

Rease note that if we are not licensed to.provide mortgages in a specific state, it will not appear in
the drop-down list of states below.

Unit Number

jfl gg Glossary

/!/

Street Address /

[1 633 13th Street, NW

City

[Washington

State . ZIP Code

| District of Columbia j*] |20009

How will you be using your home?

f<? Primary Residence — I win be living In this home
C Sfiggflda Dfc Residence — I will be using this property as a second home or a vacation

DflPTfl-

C tiafiaanBOJ Property — I will be renting this home to others.

is tna home a new construction property?

What tvnn of pmoertv Is this home? -

How many units are included in the property?

Is there a certain date by which you would like to
or need to go to closing ?
(NOTE: This date b not guaranteed.)

What Is the purchase once of the home?
(Please give this amount to whole dollars only.)

What is the proposed down payment on the
(Ptease afvo this amcurfl in whole Oottara only.)

How much was your cash deposit with the sales
contract or purchase a greement?

If there are homeowner's association fees, what is
the monthly amount?

How much, if any. is the seller oavino toward your
loanctosipq costs?

C Yes <•> No
[Single Family

<5 One Unit

C Two or More Units

|l 0/30/200l (nvn/daVyyyy)

$ 1150.000

$ 130.000 jorf

* \h°9P. I or I jpoints

How much money, If any. wPI you be using toward the purchase of your home from the
following sources?

Setter. Credit

Employer-

RgJqcgppn. Funda

*[ J

*r 1

ior[ l ooints

If you will be using relocation funds, are you
or any other cc-borrower being relocated by
an employer?

Ci Yes C No

Save &.Corninu? Lata

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FIG. 15

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Q Abcxa Tour
Income

Loan Application

Stop 3: About Yourself

24 x 7 Customer Service
Call 1-800.555-1224 or Email

Please provide tne following personal information, including your current address. For your
convenience, we've filled in information that you've given us on previous screens when applicable.
Please take this opportunity to check that information for. accuracy and, if necessary, correct it.

\b\0

(Please enter your fun legal name.)
Current Street Address

[12.10 North Kensington Street^

City

_ State ZIP Code

_____ J ; |Georgia __] [30336.

|Attanta

Home Phone [202* : [5551 - (1212 Work Phone |202 - [55^ - |l211 Exl | j
[970^ : Marital Status {Unmarriedig}
Citizenship m s . citizen

Social Security
Number

Age gO

Will you occupy the property relating to this loan applicaUon
as your primary residence?

$. Yes C

2002. ASC Ham* UonQa««

FIG. 16

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$JJt About fesrOtto
Rww YouHafo

•in

24 x 7 Customer Service
Call 1-300 555 1234 or Email

Loan Application

Step 4: Credit Chock

As part of the loan application process, we need to obtain a copy of your credit report to evaluate
your credit history. As with aP of the data you provide us. this information is kept confidential — we
share it only with the agents processing your loan application and with our investors in home loans.

By clicking the box below, I hereby consent to ABC Mortgage, its agents, and investors
obtaining and reviewing my credit report

|7 Ken Bass

Bqul Homing Lwriw \ CtpvtfcN 2002. ABC Moma MonpM

tolera magna aBgum m tfwwpO ww-mpw.

FIG. 17

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^ About the lotn
^ About tba Hojm
Q Ab

Credit

Abort Yo or
tncoaio

©Mow Your
ft

Loan Application

24 x 1 Customer Service
Call 1-800- 555- 1234 or Email

^jfr Abovt Your Qab»
Rata* Yogrlftfo,

Stop 5: About Your Income — Self-Employment Income

Do you receive your primary Income from self-employment (owning
25% or more of the business)? •••

If yes. have you received income from this business for more fhan
the last 12 months? •

Are you an inripoendent contractor with your primary income reported
on a 1 Q99 form ?

If yes. have you been an jj
months?

Sir*o & Continue later.:

C for at least 12

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FIG. 18

ABC Ham^OTorigage^

Proorass Metar
^ Abost tha Um

.©V

Q Cfeeet Credit
AboatYouf

rf^ Abort !W
Assea

AiKmifwQcbU

24 x 7 Customer Service
Can 1 400 555- 1234 or Email.

Loan Application

Step 5: About Your Income — General Income

Please provide trie following information about your monthly income. If you only have weekly or
annual values for some of these items, please use the calculator to determine how much income
that source generates each month.

If you gave us Information about self-employment income earlier, it will appear below and does not
need to be entered into any of the categories listed below. You only need to complete me items that
apply to you. If you have other income mat you would like considered but that falls outside me
categories fisted below, please contact our ABC Call Center at 1-800-555-1234. .

Gfgsa Mgnmiy FuH-Tima anoYoc P?n-Time agarv

. {Please provide the total bran Jobs you may hold. Exclude any setf-
emptoymem Income, which wffl be listed abow» if you provided It

» {6.000.00 '

Commissions
Overtime Pav

Pension/Retirement

Diastema and Interest . . ..
Atirnony/ChHd, SucQQfl

(You do not rove to reveal alimony, child support or separate
a income if you do not want it to be considered as

.Total Gross Monthly Incomo

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FIG. 19

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Loan Application

Step 8: About Your Assets

24 x 7 Customer Service

Can 1-800 -555- 1 224 or gmail

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Q AbestthaUan
Q Aboot the Home
Q About Ybunwtf
© Chart CradH

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*i«wYo»

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w uttfJ

Please indicate how much your available assets are worth, completing only the items that apply to
you. If you have assets that you'd like considered but that fan outside the categories listed below,
please contact our ABC Call Center at 1-800-555-1234.

Checking Accounts) - • • ■ 1

(This amount should exclude any cash deposit you may have

provided with the sales contract or purchase agreement)

' Savings AccounUs)

Money Mark et Accountfs)

Mutual Funds ' "
Stocks and Bonds

RBttremgnt Funds

(For example, *o»kl Kgoofi funds.)

Gift Binds Not Yet Peposlteg: ;
Procg^ds from, the £

Total Assets

Ken Bass

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FIG. 20

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tncotM

A Abort Yoar
Assets .

. Q AbcstYbwOabtt

Loan Application

Step 7: About Your Debts

Are you currently paying alimony, child support or
; : , If yes. how much are you paying each month?

i& Continue totci?

Cain -S00 555- 1224 or Email

Ken Bass

C Yes <? No

11 to

FIG. 21

ABC Home? KrfartgageP^

Progress Meter

^ Abgut the Loan

Q AbovtduHoma

^ Abow Yburatf

£ CntckCmUt

A Abort Yd «r
W bacons

©About Your

About YocrOibt*
Rww You/ into

24 x 7 Customer Service
Can 1-800-555- 1224 or Email

Loan Application

Step 7: About Your Debts — Real Estate Debts

The only debts we verify online are related to real estate. Any debts listed below have been drawn
from your credit report Please review the information and answer the related questions.

Date
Opened

Monthly
Payment

Current
Balance

KAPS /
MORTGAGE

04/1094 S2.390.00 $239.04600

ts this
your debt?

<• Yes
C No

Savd StCcntinna Latcir

Is this
secured by
real estate?

ff Yes
C No

FIG. 22

AB C Ham& Mortgage^ :#^*^BW

Q Owe* Credit
A AtwwtToof

tftCOM

©About Your

AoeatTtwr Otbta .
0 MmVtertirfb

24 x 7 Customer Swvice"
CaUJ -800- 555- 1 234 or Email

Loan Application

Step 7: About Your Debts — Real Estate Debt Details

Please review the information about your debt and update it as needed. .

Debt Dat0 Opened Monthly Payment Current Loan Balance

'. 04/1994

KAPS MORTGAGE

$|2.390.00

$ |239 : 046.q0_

<• Yes C No
<?Yes CNo

is this debt related to your current residence?

Will you pay off this debt prior to or at dosing?

What is the current status of the properly
securing this loan? .

If this is a rental property, enter the property address and the orpg;) rnpnth'Y m ^ income,
earned from the property. :

{Pending Sale

City

I )

Z3 1. &

Grr^s Monthly Rental Income,

Heutng UndM | CcmttfM 2001 ABC Hmw Mortgag*

FIG. 23

AaCH^

Loan Application

Step 7: About Your Debts — Real Estate Debts

24 x 7 Customer Service"
Call I -800-555-1234 or Email

©About Your
-

About Tear Dabtj
^ Review rouf tnfo

«itd Apply

Do arty of the borrowers have any additional £

C Yes No

fTWs includes fl

drawn on the account)

1 and other lines of credrt. even if you have not

" Siva S Cbntinco' tatu'r^.

z H I c

FIG. 24

24 x 7 Customer Service
Call I -600-555' 1234 or Email

About Toot

. blSOBt

Loan Application

Stop 7: About Your Debts

Trie following is a summary listing of the real estate debts that belong to the applicants. If the list Is
Incorrect, use the Back button, below, to return to the forms and update the information.

O V)flwGta»rv

Oabt

KAPS MORTGAGE

Date Opened
04/1994

Monthly Payment
S2.390.00.

Current Balance

: $239,048.00*

22222 J2SS3SEEEESS3

equdHMMinQLandw |CapyriBM2002. ASC Mow Moc>Q>g«

FIG. 25

ABC Home OTortgage^N^-^***--

Progress Mater
Q About tha Loan
Q Abort the Home

Q| Check Credit

Abotrt You/
bteaaia

O About Your

24 x 7 Customer Service
Call 1-8QQ-555- 1234 or Email .

Loan Application

Step 8: Review Your Information and Apply - Government Survey

The federal government requires thai we request the following information, which will be used to
monitor our compliance with equal credit opportunity, fair housing, and home mortgage disclosure .
taws. You are not required to furnish this information. By taw. we may not discriminate based on the
answers {if any) that you provide to these questions, nor may we discriminate if no answers are

| Black (non • Hispanic)

If "Other." please indicate race or national .
origin.

Gender .

I do not wish to provide this information

: Ssvq & Continue Uror."

| Male gj

a .

2 (,1V

(Sj

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s. »*l Jkiro doior* mi faugttf mda lacavw at waro a*.

FIG. 26

ABC Horiie> Wortgageil^^^^^

Loan Application

Call 1-800-555-1234 or Email

Step 8: Review Your Information and Apply — Electronic
Disclosures • ' i

CONSENT FOR ELECTRONIC DISCLOSURES
UNDER THE ELECTRONIC SIGNATURES IN GLOBAL
AND NATIONAL COMMERCE ACT

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duis ex augue esse zzril tation augue.

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exerci augue. nulla magna te hendrerit fadilsis duis et, feugait eu dolor vel delenit et aliquip.
Dolor delenit nulla dolore dolore quis consequat volutpat eL nulla.

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duis nisi In eum dolore vel uilamcorper luptatum. Commodo ilium augue et dolor ea enim, .
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delenit et volutpat qui. Esse, consequat consequat, vel feugiat, augue, duis vero. adipisdng
uilamcorper fadlisis dolor te odio at zzril qui vel lorem eu aliquam feugait iriure accumsan
nonummy. Sed, et vutputate in tinddunt velit nulla dolore velit velit quis dignissim minim.
Fadlisis nibh fadlisis vero, praesent commodo nostrud magna nonummy enim nulla,
consequal vel. odio luptatum exerd delenit ut duis accumsan delenit feugait suscipit ut ut

Enim in iusto quis at nisi, erat ad accumsan. wis! esse et dolor. Vero in vel dignissim te
feugait consequat zzril et esse. Zzril uilamcorper in duis tation ut ex zzril qui laoreet Aliquip
dolor iusto commodo euismod dolore dolor eum nulla luptatum vel iusto. Dolor minim ut
hendrerit dolore feugiat aliquam esse iriure exerd feugiat augue susdpit ad delenit feugait
eum eu nisi wis! susdpit diam velit dolor erat Volutpat diam quis etit ex et dignissim lobortis
in. •

Nibh, etit at aliquam augue ex dolore vero wisi nostrud. Veniam lorem, iusto erat et ut esse in
ut wisi te consequat eu autem, eros. Exerd lobortis vel btandit at dignissim vero ilium
molestie minim minim consequat.

<? I consent to receiving electronic disclosures.

r. I do not consent to receiving electronic disdosures. and understand that to continue.
I must stop the application process; dick the Save & Continue Later button; and
contact the ABC Call Center at 1-800-556-1234 to proceed with my application. I also
understand that if I do not follow these steps, and instead continue with the
- application online, I will be consenting to receive electronic disclosures. -

If you consent to receiving electronic disdosures, please indicate the email address
you would like the disdosures to be sent to. They can be sent to the email address .
you provided when you registered, or to a different email address that you can
provide now.

Email Address: |hen r= fc»as nn'. e fj*

(2) E$uri Mousing LandM | CoppigM 2002. A

FIG. 27

^^^^^^^^^^^^^^^^^^^^

Progress Meter

Q Abort Ihi Loan '

Q About tha Home

Q AbtwtYoorwif

QOnck Credit

A Abort Tour
lncoco«

A Abort Your
W Aura

Q Abort few Debts

_ S2Ap , Jv urWo

24 x 7 Customer Service
Call 1-800-555-1234 or Email

Loan Application

Step 8: Review Your Information and Apply

Before submitting (he loan application for evaluation, please review for accuracy the information that
you provided and make any necessary changes below.

{§} view Glossary |

Property Information

Property Type

Address
(To change, plea*
.currently displayed.)

Loan Information

Purchase Price

(Re as* give inia amount in wfrate dollars

Down Payment

(Please gtvo this amount in wtioie dollars
only.)

" Loan Amount
(Calculated by subtracting down
from purcna

Preferred Closing Date

(NOTE; This date is not euarantaed.)

[ Single Family jgj
. 1633 13th Street. NW

washinmqp.pc^oooo

5)150,000.00

» |30,0O0.00""

$ [120,000.00^

1 10/30/2002 I (mm/doTyyyy)

Borrower Information

Total Monthly Income

Total Assets

$70,QQQ T 0Q

Kir* WMf\* aBguvn n**i i

FIG. 28

AB C Home: Mortgage

Ca« 1-80Q 555- 1234 or Email .

Congratulations! ■. •

You have personally been approved for a wide range of mortgage products.

Reserve your loan now to take advantage of guaranteed closing costs and some of the best interest
rates available.

irs another fast and easy process to reserve your loan and loex in an interest rate right on the web.
Simply choose the "next - button below and select the option that best fits your needs.

Or. can one of our experienced Can Center Agents at 1-800-555-1234, if you have any questions.

Sa\a£Car>tLnac-Lalotr r

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FIG. 29

Loan Selection

24 x 7 Customer Service
Cam -300-555- 1234 or Email

Here Is a sampling of the loan options for which you have been approved. To see any additional
loans and rate/point combinations that you have been approved for. dick the View More Loan
Options button for each loan category. If you would like a written record of your approval, please
click here to view and print your approval letter from us.

Click on the Loan Details link for a loan to view additional information. If you decide that's the right
loan for you, you can reserve your loan and float or lock your interest rate online at that time.

Working with ABC Mortgage, you will receive the following benefits:

• An appraisal waiver for the specified property.

• Reduced documentation requirements for the income reported in your application,
r Reduced documentation requirements for the assets reported in your application.

NOTE: The rates quoted betow are baaed on current market prices and are valid until 08/23/2002 21:45:00 EST. tf
you do not take advantage of these rates by 08/23/2002 21:45:00 EST. we wiiJ provide you with an updated quote.

@ view fiiaaaa

eg)

Purchase Price: $150,000.00

Loan Amount: $120,000.00

Fixed Rate Mortgages

Viuw Mqt9 loan Option

3020

30-Year Fixed

5.750% 5.020%

15-Year Flxad " 5.250% 5.420%

$703.12 . 1.000

$982.14 1.000

Adjustable Rate Mortgages

Vtow Mora Lojh Options^

5.125% .4.970%

$65884 1.000

$J3JLflA5 Loan

3o| 8

5/1 ARM 4.575% 4.880% $630.98. 1.000 J23L22Q Loan

Details

$33 qg q Loan

FIG. 30

Loan Selection

Call 1-800-555-1224 or Email

You have selected trie product and Interest rate listed below, if you are stin satisfied after reviewing
the detailed information, please review your options for reserving your funds online. If you nave any
questions, please call us at the ABC Call Center at 1-800-555-1234.

Product: 30-Year Fixed

The interest rate quoted below is for a fixed rate loan product and will not change over the life of the
\ .toah.

" • ; (S Edni

Loan Details

Purchase Pries:

Down Payment:

SI 50.000.00
$30,000.00

Base interest Fgte:
igBUEffiaaiBaig

5.750%
5.750%

Loan ftmayni:
feMmgtgg cash, ig Close:

S 120,000.00
S34.600

Points :

1.000
5.920%

Monthly Payment Details

$703.12
. $33.33
$8.33
$0.00
$744.78

Estimated Total Monthly Payment
NOTE: This quota ts valid untfl 08/23/2002 21:45:00. To take advantage of thh quote, you must fo<* In the

Reserving Your Funds:

To reserve your funds, please choose the option below that best fits your needs.

ff. Lock In the Rate — The Interest rate of 5.750% will be guaranteed for SO days. If rates
Increase, your rate will not be affected; if they decrease you will not be able to take . •
advantage of a lower rate.

C Float the Rata — Contact us at a later date to lock the rate, or allow it to float until a few
days before closing. If rates decrease, youll be able to take advantage of a lower rate; if
they increase, your loan will be subject to a higher rate, which may affect the loan

To complete the home-loan application, lock or float the rate, and reserve the loan amount, a
deposit of $50.00 is required. When the loan is closed, we will reduce the cash required to be
paid at dosing by this $50.00 deposit. If you do not dose the loan, the deposit is not
refundable.

A committment letter with the required federal and state disclosures win be sent to you via
maU or electronically within three business days of your providing the application deposit

Please enter your credit card Information:

Cardholder's Name

(as it appears on the credit card)

Credit Card

Credit Card Number

Expiration Date

| Ken Bass

19222222222222 ]
jOecember $ l2003g|

m | C«WlgN 2002. ABC Mom Uor^ag*

FIG. 31

ABC tfamaK/rdr^gl^^^C^^;

Loan Summary

24 x 7 Customer Service
Call 1-800-555- 1 234 or Email

Congratulations! Your toan application is complete and your funds are reserved. A summary of your
loan features and monthly payment is listed below for your easy reference.

A commitment letter wilh the required federal and state disclosures will be sent to you via mail or
electronically within three business days of your providing the application deposit You will need to
send us a copy of the documentation listed below. We will be contacting you soon with more details
on your closing. ,

jfl) prim loan Summary

Borrowers)
Loan Type:
Loan Amount
Interest Rate:

APR:

Estimated Cash to Close:
Desired Closing Date: -

Ken Bass
30-Year Fixed
$120,000.00 '
5.750%
1.000
5.920%
£34.600
- 10/30/2002 ,

Monthly Payment Details:

Principal and, tnlercst ..

Estimated Rpal Estate Taxes :
Estimated Homeowner's Insurance:
Homeowner's Association Fees:
Estimated Total Monthly Payment

5703.12
S33.33
$8.33
$0.00

$744.78

Next Steps: . " \

You will be required to provide copies of the following:

. Documentation confirming that the following judgements and garnishments have been
paid on or before closing:

Type Date Red Date Satis. Amount

JUDGEMENT 10/01/1993 01/01/1994 5000.00

• Changes in your application data (whether Initiated by you or identified during
verification} may affect but are not limited to rate, points, appraisal requirements,
maximum loan amount and additional documentation needed to close your loan
■ Fully executed agreement of sale to support the purchase price of $150000.00
iironediatety after signing '
. Documentation confirming that homeowner's insurance has been obtained on or
before dosing and that premiums have been prepaid for one year

• Pay stub dated within 30 days of the application to confirm $6000.00 of base monthly
Income for Ken Bass; recent W-2 form required if 30 days year-to-date earnings are not
on pay stub

. Documentation verifying assets totaling a minimum of $30897.60

. Complete savings account statement for Ken Bass covering a 30-day period and

dated within 45 days of the application

Please send these documents to us In the postage-paid envelope we will provide with the
disclosures, if we have questions or require additional documents while we are processing
your application, we will contact you.

3-tfO

. Request flood zone certification; if flood insurance Is required, you will be requested to
provide a copy of the policy on or before dosing

. Request a full title search and mortgagee title insurance policy prior to the dosing of
your loan

Rate Status:
Rate Lock Date:
Rate Lock Expiration:

Locked

08/23/2002

11/21/2002

FIG. 32

ABGKfamSWrdrtgagi^^^^^

Manage Case Files

24 x 1 Customer Service
Cad 1-B00-555-1234 or Email

Search for a Case File

To look up ah existing applicant, enter the following irtforrnaUon:

First Name
Last Name
SSN. .
< Case File Status

rn-n-rn

[All Case Files

Create a New Case nie •

Please enter the following information about the hew applicant:

First Name
Last Name
Marketing Code

Rob:

[Buyer

Open an Existing Case File

The application number of the last case file you were working on is: flQQ

Case File Application Number L

Edit My Usor Account:

FIG. 33

Search Results

24 x 7 Customer Service
CalH-800-555- 1234 or Email

Here are the results of your search. Please select the applicant name to see the details of the
applicant's account.

Sort by: | Last Name {descending" !] 833

LastNamo ' Ffrsi Name Case FBe Numtw Loan Slams

Buver : Beth .1234567890 Floating

Buvef Rob 1234567890

City. State SSN
Atlanta. GA
Atlanta, GA 099-88-9221

FIG. 34

Solution Flnifar

No using Espgnss ^*tin
Tflrtal Expanse Ratio

"Pie pra-nar/ reascns ihe.foan was- not rocccnmcnded far apprcvaJi am corrJaVicd ban fca ralun

jratiovpu^^

T3hs easels ineC^jblo: because tho CLTV cannot greater than 90 c*ec en L Tot fix o d> raJ e Cash
r^narws ^ molij^ss® secured by.l-untt primly w^nce

This carets being rcfered'to-Sha eaJ.cenlcr because lfce injures! rale ejctecdsths thrcsbdfc! sal

:^2ii» case a hoing referredii* 5ho carl center as ttia tftial etpenso .ratio cf 203JS7. .ok ceo d* She

-Rite ease lias-been refeoed *n Bib call eerier a s 11: requires Umber nweew by an umSwwtte:
3asB4 wlte data subpr&tflrf 4a £b? ICnrnnigrs* CwdS Modal, Shis, cass dsas ^ ^enr in.

FIG 34A

. Reminder: While In the Cell Center do not use the browser's Back button.
Search for a Case File

To look up an existing applicant enter the following information:

First Name: _ |Ken -

Last Name: ■ |Bass ~ ~~ "! .

Create a New Case File

Please enter the following Information about the new applicant

. First Name: , | , : |

Last Name: | j

; Email Address: ."; ' ■ ■■ | "1 .

Please enter the following business tracking information and dick Create.

Marketing Code: [ : : ■ I

(if applicable)

Business Source: [ABC Business Source^ . fiPffiffffl

Open an Existing Case File

The application number of the last case file you were working on is: 4SZ
Case file application number' | ■ . . . . -" T : ~ f&M&

FIG

Loan Purpose

Preferred Closing Date
(Note: This date is not guaranteed.)
Purchase Price

{Hate: Please flive this amount In whole dollars only.)
Down Payment

(Note: Please give this amount in whole dollars only.)
Deposit with Sates Contract/Purchase Agreement
Loan Amount

(Note: Please give this amount In whole dollars only. For
purchase transactions, this amount equals the purchase price
minus the down payment and wta automatically adjust If either
it is changed.) '

Seller-Paid Closing Costs

$|1.0Q0_,

i or | i Points

Other credits toward the home purchase:

.Employer-Assisted Housing \ _
Negotiated Seller Credit
Lease Purchase Funds
Relocation Funds

Is the applicant being relocated by their employer?

r(Z]

C Yes <?■ No

FIG. 36

Zase Re Application Number 487

Business Source Name ABC Business Source

Applicant Name(s):

Ken Bass

Property Type - -

Number of Units

Subject Property Address .

Unit Number

City

County

State

ZiP :

Property Use

Monthly Homeowner's Association Fees
Estimated Market Value of the Home

[Single Family

One O Two or more units
| 1633 1 3 th StregUjWj

[Washi ngton

[Oistrict of Columbia jj
120009 I

[Primary Residence ||J

$ |1S0.000 i

FIG. 37

Case File Application Number 487

Business Source Name ABC Business Source

Applicant Name(s):

J Ken Bass \

First Name

j Ken

Last Name
Suffix

Social Security Number

Marital Status

Age

Citizenship Status

Occupy Property as Primary Residence

Bass

| Unmarried fej

{U.S. Citizen I ~

<f Yes C No

Ptease enter the applicant's current address. If it is a refinance for a primary residence, please verify the pre-filled address

Current Address
Unit Number
City

[12 10 North Kensirigto]

[Atlanta

[Georgia

ZIP

1 336 j

Work Phone
Mobile Phone
Fax

|202l - [5551 - [l2lF

[202 | - [555 I - [1212 Extension \~_

IZj-IZj-IZZ

FIG. 38

Government Monitoring Data

The federal government requires thai we request the fallowing information from the applicant, which win be used to monitor our compliance with
equal credit opportunity, fair housing, and home mortgage disclosure laws. The applicant is not required to furnish mis information. By taw. we
. may not discriminate against the applicant oased on the answer* provided fif any) to tnese questions, nor may we discriminate against the
applicant If no answers are provided.

Race [ Black (non - Hispanic) £|

If "Other" please Indicate race or national origin. y_

Gender [Male j}

Appficant does not wish to provide this ' r~i

',T\ - :

FIG. 39

Case Re Application Number 487

Business Source Name ABC Business Source

(nfdnrutlah

Applicant Name(s):

Ken Bass

Monthly Income

Is the applicant interested in applying for the Easy
Purchase loan?

(Nets: it yes. me rate may be higher.)

Monthly Salary

Bonuses

Commissions

Overtime Pay

Pension and Retirement

Dividends and Interest

Alimony/Child Support/Separate Maintenance
Notes Recer*able/lnstallment
Social Security/Disability
Mortgage Differential
, Trust Funds
Unemployment/Welfare
Automobile/Expense Account
Foster Care
VA Benefits
AO Other Income
Total Monthly Income

J Ken Bass \_

C Yes No

6.000.00

[5.000.00

FIG. 40

Self-Employment Income

Has the applicant received his/her primary income c Yes <? No

from self-employment for more than the last twelve

months? _^^^____^^^__ t

Most recent Tax Year |2001 ~ j

If the applicant is paid salary by the business, enter s | ~J

the W-2 income as shown on line # 7 from the first "*

page of the Federal tax return. '

If the applicant's business Is a sole proprietorship or • j j

the applicant is an independent contractor, enter the 1 : — —

net Income as reported online # 12 from the first

page on tn?- Federal tax return, or adjusted Income
from Schedule C.

If the applicant's business is a sole proprietorship, $ | :

enter the depreciation as shown on line # 13 of . :

Schedule C of the Federal tax return.

If the applicant's business is a partnership or S- s | j

Corporation, then enter the ordinary income as — '

. reported on Schedule K-1 or Schedule E. ■

Total Self-Employment Income $ [ ; . J

Case File Application Number 487

Business Source Name ABC Business Source

Applicant Name(s):

Ken Bass

Please ensure that any deposit with the sales contract or purchase agreement is not double counted as an asset.
V ■- j Ken Bass )

Checking Accounts )
Savings Account(s)
Money Market Account(s)
CDs

Mutual Funds .
Stocks and Bonds
Retirement Funds

Gift Funds Not Yet Deposited in Account
Proceeds from Sale of Real Estate
Other Assets:
- Bridge Loan Not Yet Deposited -

Trust Funds

Tax Refund Not Received/Deposited

Inheritance

Total Assets

s |50,000

s i ~

» l ~
s CZZ
s IZZZ
si ~

sIZZ

tIZZ

t |70.000

•i^cS^fl&Ki-f

FIG. 42

Case File Application Number 487
Business Source Name ABC Business Source

Applicant Name(s): Ken Bass

Is any applicant paying alimony/child support/separate maintenance?
Monthly Amount Paid

Current Date Monthly Does this detft belong to Is this secured by

Balance Opened Payment, any of the applicants? real estate?

$239,046.00 04/1994 . $2,390.00 - G Yes C No v <? Yes O No

KAPS MORTGAGE

If the data shown is subsequently changed that would cause the credit report to be repuiled, it will be necessary to revisit
this set of screens and review the applicant's real estate debts again.

Once the debt review has been completed, click Continue.

FIG. 43

i/TTn>ninBiHi-niiti

Case File Application Number 487 k '

Business Source Name ABC Business Source

Applicant Name(s):

Debt
KAPS MORTGAGE

Date Opened
04/1994

C urrent Balance
S |239,046.00~j

M onthly Payment
$ |2,3 90.00

Is this debt related to applicant's current residence?

Will the applicant pay off this debt prior to or at dosing of this loan transaction?
What is the current status of the property securing this loan?

If the property securing this loan is a rental property, enter the property address and
the gross monthly rental income earned by the applicant from the property:

Street Address

City

State

ZIP

Gross Monthly Rental Income-

LZZ

If there are additional real estate debts not disdosed on the credit report, dick Add Real Estate Debt
If there are no additional real estate debts, dick Save and Review.

FIG. 44

Case FHe Application Number 487

Business Source Name ABC Business Source

Applicant Name(s):

Ken Bass

jKen Ba sspg]

Add Real Estate Debt

Which applicant Is the primary owner of this debt?
What is the creditor's name? •
What is the creditor's account number?
What Is the current balance?

What is the applicant's monthly payment on this debt?
(tnduda principal, interest, insurance, taxes, and homeowner's association fees)

Is this debt related to the applicant's current residence?

. WiD the applicant pay off this debt prior to or at closing of this loan transaction?

What is the current status of the property securing this loan? | " U

tf this is a rental property, enter the property address and the gross monthly rental income earned from the property.

StreetAddress I

City . I I

O Yes C No
C Yes C No

State
ZIP

Gross Monthly Rental Income

n :

run

To add a real estate debt, dick Add Another.

If there are no additional real estate debts, dick Save and Review.

To cancel, cfick Cancel.

FIG. 45

OperUCrcatd Cw Fie

My User Account

Case File Application Number 467

Business Source Name ABC Business Source

dowry I • j CatexiatOf»] j Logout {

r Applicant Name(s): Ken 3asi

Underwrite
and Price

Before the applicant's completed loan application is evaluated, please review with applicant(s) the summary c
Information below and modify it If necessary. ; : :

Property Information

Property Type
Address

[ Single Family

i63?i3ihSt"get,NW

Washington PC 2000$

Loan Information

Loan Purpose .
Loan Product
Seeded Point Value

(Note: The seeded point value can be modified to
1 . accept values from zero to three points.)

Estimated Loan To Value

Purchase Price

(Note: Pteaie o*ve this amount in whole dollars only.)
Down Payment ■

(Note: Please oh* this amount in whole dollars only.)
Total Other Credits .
Loan Amount

(Note: Please give this amount in whole dollars only.)

Preferred Closing Date . .

(Note: This date is not guaranteed.)

[No Preference !

0.000

S 1 1 50,000.00 j
$ (30,000.00 |

$ 1 1 29.000.00 _ 1

(mm/dd/yyyy) 110/30/2002

e-Consent ■

ts, The applicants hereby agree to the terms stated In the lender electronic, disclosure, consent PoHCY
and consent to receive electronic disclosures.

C The applicants do not agree to the terms stated in the lender i
and do not consent to receive electronic disclosures.

Email address for electronic disclosures: lken_bass@newentrantl.n eT

Total Monthly Income

Ken I

Total Assets

. S70.000.00

Click Next to underwrite and price this loan application.

Case File Application Number 1234

Business So urce Name ABC Call Center

Case Fila Status Active • Not Registered

Applicant Name(s): Ken Bass
Trusted Advisor John Doe
TA Phone Number (999)9993999 9999

These rates are valid until 05/28/2003 15:34 PM ET. If the rate quote expires you will need to
re-underwrite this loan application.

Loan Details-
Loan Product Preference
Purchase Price .
Down Payment
Loan Amount

Maximum Approved Loan Amount
. New.Subordinate Financing Amount
New Subordinate Financing P & I Amount

None . Monthly Homeowner's Association Fees
$150.000.00 Estimated Monthly Real Estate Taxes
£30 .000.00 Estimated Monthly Hazard Insurance
SI 20 .000.00 Loan Tn Value Ratio
$142,500.00 Combined Loa n To Value Ratio

so.oo Maximum Lgan To Valuo Ratio Fgr Rale

10.00
$96.00
$50.00
60.00
80.00
60.00

$0.00 Maximum Approved Loan Amount for Same Rats $120,000.00

Marketing Messages

• An appraisal waiver for the specified property.

• Reduced documentation requirements for the income reported in your application.

• Reduced documentation requirements for the assets reported in your application.

Approved Loan Products
Select a loan to reserve funds.

J 30 Year
! Fixed

Sort by: | estimated dosing costs!

Base
Interest Rate

LDPRA

Total Interest
Rate

APR

Monthly P&l

Points

Estimated
Closing Costs

<?}

6.125%

0.000

6.125%

6.100%

$729.14

-0.875

$32314

6.000% 7

0.000

6.000%

5.990%

$719.47

-0.625

$33208

5.875%

0.000

5.875%

5.900%

$709.85

-0.250

$33.652

5.750%

0.000

5.750%

5.820%

$700.^

0.250

$34246

5.625%

0.000

5.625%

5.740%

$690.79

0.750

£34.839

5.500%

0.000

5.500%

5.660%

$581.35

1.250

$35.433

5.250%

0.000

5.250%

5.540%

$662.65

J 2.625

$37 070

5.125%

0.000

5.125%

5.490%

$653.39

3.500

$3fU14

5.000%

0.000

5.000%

5.430%

$644.19

4.250

£39.008

4.875%

0.000

4.875%

5.390%

$635.05

5.125

£40.052

FIG. 47

Case Ra Application Number 1234 . Applicant Name(s): Xan Ba

Business Source Name . ABC Call Center .
Caaa File Status Active - Not Registered " ■

You have until 05/2B/2003 15:34 PM ET to lock or float this rata. If the rate quote expires you will need to re-underwrite this
loan application.

Rate Status
Selected Lean Product

New Subordinate Financing Amount
New Subordinate Financing P & I Amount
Base Interest Rate

Low Down Payment Rate Adjustment
Total Interest Rate (includes LDPRA)
APR

Maximum Interest Rate for Float
Points

Preferred Closing Date

(Note: TW» date ts not guarartaedO

Not Registered
30-Yeer Fixed .
Purchase
$120000.00
$0:00
$0.00
. 5.625%
0.000%
5.625%
. 5.490%
6.750%.
-2.021
, 07/30/2003

Principal & Interest (P + 1)
Estimated Monthly Homeowners As
Estimated Monthly Real Estate Taxes
Estimated Monthly Hazard Insurance
Total Estimated Monthly Payment
Estimated Closing Costs

$690.79
Fees. $0.00
$16.67
$8:33
$715.79

Marketing Messages

■ An appraisal waiver for the specified property.

• Reduced documentation requirements for the income reported in your application.

• Reduced documentation requirements for the assets reported in your application.

To complete the home-loan appfcatlon and lock or float tha rate. a deposit of $450.00 is required from the applicants). When
the loan is closed, the cash required to be paid at closing will be reduced by that amount. Please select the appropriate rate
option end method of payment below to reserve the ioeh funds for the epplicant(s). N

Rate Options

O Float the Rate
© Lock the Rate

Method of Payment

Pay by credit card authorized online.

If the method of payment is by credit card authorized online, please enter the credit card
Cardholder-a Name |KanBass . j

information below.

( A» I appears on ttw crmfl card.)

CredctCard

Credit Card Number

Expiration Date

O Pey by credit card authorized via toll-free number.

If the method of payment is by c redit card authorized via toft-fre e number,
Authorization Code I . |

please enter the authorization code below.

O Pay by check or cash.

If the method of payment is by c heck or cash, you may enter th e check or money order number below.
Check or Money Order Number j j

FIG. 47 A

Case Re Application Number 487

Business Source Name ABC Business Source

Applicant Name(s):

Ken Bass

These rates are valid until OS/2072002 18:43:00 EST. If the rate quote expires you will need to re-underwrite this loan

30- Year Fixed Monthly Homeowner's Association Fees SO. 00

SI 50.000.00 Estimated Monthly Real Estate Taxes . $33.33

.* S 30.000.00 ■ . Estimated Monthly Hazard Insurance SB.33

si2o.ooo.QQ ^ ' Loan To value Ratio ao.oo

5142.500.00 . Combined Loan To Value Ratio . ' . 80.00

Maximum Loan To Value Ratio for Rate '• 80.00
■ Maximum Approved Loan Amount for Same Rate Si 20.000.00

Loan Details

Loan Product Preference
Purchase Price
Down Payment ■
Loan Amount

Mgximum Approved Loan Amount

Marketing Messages

• An appraisal waiver for me specified property. ••■■'*.. ..'""*

• Reduced documentation requirements for the income reported In your application.

• Reduced documentation requirements for the assets reported in your application.

FIG. 48

Cofctdator* [ | Logout |

^ase File Application Number 487

3usiness Source Name ABC Business Source

AppPcanl Name(s): Ken Bass

Rate Status
Selected Loan Product.
Loan Purpose
. Loan Amount
Base Interest Rate

Low Down Payment Rate Adjustment
Total Interest Rate (includes LDPRA)
APR
Points

Preferred Closing Date
(Note: This date is not guaranteed.)
Rate Lock Date
Rate Lock Expiration Date .

Marketing Messages

Locked

gOjYearfixed^l
Purchase
$120,000.00
6.000%
0.000%
6.000%
6.040%
1.000
10730/2002

. 09/20/2002
11/19/2002

Principal & Interest (P + I) 5725.80
Estimated Monthly Homeowner's Association Fees S0.00

Estimated Monthly Real Estate Taxes . S33.33

Estimated Monthly Hazard Insurance S8.33

Total Estimated Monthly Payment . S1. 767.47

Estimated Cash to Close ■ S34.S0Q

Loan to Value Ratio ' ■ . 80.00

Combined loan lo Vatue Ratio . 80.00

• An appraisal waiver for the specified property.

• Reduced documentation requirements for the income reported in your application.

• Reduced documentation requirements for the assets reported in your application.

Undenting Conations, •

FIG. 49

Operugreate tasoFle

U j Today** Rates | | Glossary \

^ase File Application Number. 487

business Source Name ABC Business Source

Applicant Name(s): Ken Bass

Credit Report File Number 000000999889207
Credit Agency: Agency 1

Credit Report Date: 09/20/2002

_J Ken Bass |_

Credit
Review

Credit History Details

Please review the applicant's credil ^ history to determine if the details are accurate. .

Creditor/ Belongs To Data Opened/ Credit UmW Momhty Credit Type/ Account
Accounts - Last Reported Balance Payment Account Status . Type

Applicant . 12/1001 $

Unknown Unknown | Current Debt I£J
Unknown 1 - -r — ■— 1

JC PENNEY Apotc»nt 06/1091 • $1000=' ■ $|10Q. j Jjjjjjj /" ' Cieo* cart . | Current Debt

shooo

■ USAG LOAN Applicant - 06/1003 $ 437
25120202301654280 08/2002

SI572

ban |Current Debt ffl

3 LOAN Applicant 03/1002 $2
25120202301654278 08/2002 .

•EI

$1 3460 J

Installment . Installment ban (current Debt SH
Unknown ■ — ^

After credit details have been reconciled for this loan application, re-run the transaction by clicking

on the Underwrite and Price button. ^aiM.P|r<

FIG. 50

I OpenjCrcato Coie f la | | My Utcr Accost

Zase Re Application Number 487

3u sin ess Source Name ABC Business Source

Applicant Name(s): Ken Bass

Rate Status

Loan Purpose

Loan Amount

Rate Lock Date .

Current Rate Lock Expiration Date

Current Closing Date *•

Product Preference

Locked
Purchase
? S120.000.00
. 09/20/2002
11/19/2002
10/30/7002
| 30 Year Fixed""!]

Current Loan Product: 30-Year Fixed

sno

Total Monthly
- Payment _
$1,767.47

Base
interest Rata

6.000%

LDPRA

0.000%

Interest

Rata
6.000%

APR

6.040%~

Monthly
P&l

$725.80"

Points

1.000"

Estimated
Cash to Close

" $34:600 -

FIG. 51

Case FDe Application Number 487
Business Source Name ABC Business Source

. Rate Status
Loan Purpose
Loan Amount .
Rate Lock Date

Current Rate Lock Expiration Date
. Current Closing Date
Product Preference

.Purchase
$120,000.00
09/20/2002
11/19/2002
10/30/2002

|30Year Fixed

Current Loan Product: 30-Year Fixed

Total Monthly

Payment
- $1,767.47

Base
Interest Rate
6.000% -

LOPRA

0.000%

Interest
Rate

6.000%

APR

6.040%

Monthly
P&l

$725.80

Points
1.000

Estimated
Cash to Close

Negotiate Lock

To set a negotiated rate-point combination, piease enter the desired rate and points below. The negotiated rate and points
cannot exceed the Maximum Rate and Maximum Points, respectively. .

Loan Product 30-Year Fixed

Total Negotiated Rate [ ^

LDPRA . ^ , 0.000%

Base Negotiated Rate I I

(Note: Value to automatically calculated 1 : 1

as Total Negotiated Rate - LDPRA.)

Negotiated Points I j

Maximum Rate
(including LOPRA)

Maximum
(Inducing h<
and delivery fee)

6,500%

4.739

6.500%
6.375%
6.250%
6.125%
6.000%
5.875%

Current Points

-1.250
-1.000
-0.625
-0.125

0^250

0.625

Original Points

-1.250
-1.000
-0.625
-0.125

0.250

0.625

5.750%
5.625%
5.500%
5.375%
5.250%
5.125%

1.375
2.125
2.750
3.750
4.750
5.750

Hedge Points

Miscellaneous Points Adjustment
Delivery Risk-Based Adjustment

0.375
1.000
0.000

To lock the negotiated rate-point combination for the 30-Year Fixed loan, please dick on Lock.

FIG. 52

Home: Committing Pricing Transaction History My User Account Logout Help

Welcome to me Secondary Transactions home pace, where you can find an overview of transaction activity. For more
Information, or to manage any of the categories listed below, please choose one of the links above.

Today's Transactions

Wtd Avg Wtd Avg Wtd Avg Extension User

Transaction Time Count Amount PNY Pass-Thru Price Fees Name Status

Sell/Fund JuW>1-02 11:01AM 175 519,250,000 0.0000% 0.0000% 100.00000 500.000 s9ucmm Completed

Sen/Fund JuMll-02 11:04AM . 123 513.530.000 0.0000% 0.0000% 100.00000 SOO.OOO sxunna Completed

Committing — Best Efforts
■ EHglblg-ta£o.mmU ; ; _ '.

30 Yr Fixed
15 Yr Fixed
Total

Amount

S2.250.O00
$750,000
$3,000,000 :

30 Yr Fixed
15 Yr Fixed
Total

Amount

$125,000
$75,000
$200,000

Wtd Avg Note Rate

8.7500%
8.7500%
6.7500%

Wtd Avg Note Rate

6.3750%
6.3750%
6.3750%

S3 T a

To Eligible Products
To Ineligible Products
Total

Amount

$220,000
$100,000
$320,000

Wtd Avg Note Rate

6.5000%
6.5000%
6.5000%

Today

Next 1-3 Days
Next 4-7 Days
Total

$3,000,000
$3,560,000
$7,620,000

Wtd Avg Note Rate

6.5000%
6.5000%
6.S0OO%
6.5000%

All Active Commitments — Best Efforts

Count

Amount V

Aid Avg PNY \

Wtd Avg Pass-Thru

Wtd Avg Price Extet

fision Fees

30 YrRxed ..

675

$74,250,000

0.0000%

6.0000%

101.00000

$618

20 Yr Rxed

$2,750,000

0.0000%

6.0000%

101 .00000

15 Yr Fixed

100

$11,000,000

0.0000%

6.0000%

101.00000

Total

B00

$88,000,000

0.0000%

6.0000%

101.00000

$618

Loans Imported Loans Marked Total Loan Amount Market Price
Mandatory 2391 2269 $379,883,791 101 .00O00 122

Best Efforts 800 800 ' $88,000,000. 101.00000 0

$467,883,791 101 .00000

Loans Imported Loans Sold Sale Price Sale Price (dollars) Fees & Interest Total Proceeds Loans Not Sold

Mandatory 363 332 101.00000 $55,087,686 $00,000 $55,087,688 31

Best Efforts 6 8 101.00000 $660,000 $00,000 $660,000 0

Total 369 332 101.00000 $55,747,686 $00,000 $55,747,688 31

FIG. 53

My User Account Logout Help

Home Committing Pricing Transaction History
Commit Loan Extension Product Changes

| Commit Loan |

This page contains a list of loans eJfcibte for commitment. II errors occurred, they will be listed at the bottom of the page.

To exdude a loan that you do riot want to commii. please check the box next to the loan. When you have finished reviewing (he Bst a
satisfied with your choices, please cBCk the Commit burton.

Total Loans in Batch:

30YrF«ed

20 Yf Fixed

15 Yr Fixed •

Total Eligible .

Errors

Count Amount WtdAvgPNY Wtd Avg Pass -Thru WtdAvg Price
13

3 $335,000 0.0000% 8.0000% 100.00000

4 $415,000 0.0000%. 8.0000% 100.00000
3 $325,000 0.0000% 8.0000% . 100.00000

10 $1,075,000 0.0000% 6.0000% 100.00000

• PrtnfeTramwctiarv?

: ^ Refresh Loans*,;

Select each loan to exdude. then click the Commii
Refresh Loans button, previously excluded loans wi

'|0

5t"

button to commit the remaining loans. If you update the list of loans by cQcMng the
D show up as already checked. .

Commitment — Best Efforts

Exclude /~ ro ^^?. n
/ Case Rle

Effective
Date

Expiration
Data .

Scheduled
Closing

Rata

Amount

Expiration
Date I

PNY .
ndlcation '

»ass-Thru

Price
Indication

30 YeirRxed

* fj - 200C207&40

08/25/2002

10/24/2002

10/23/2002

6.5000%

$110,000

107310002

0.0000%

6.0000%

100.00000

C 2000207040

09725/2002

10/24/2002

10/230002

65000% .

$100,000

1Q/31O002

.00000%

6.0000%

100.00000

tt .. 2000207980

09/25/2002

11/230002

11020002

6.5000%

$125,000

11050002

00000%

6.0000%

100.00000

Total 30 Year Fixed

$333,000

0.0000%

6.0000%

100.00000

20 Year Fixed

C - 2000206840

09/25/2002

10/24/2002

10030002.

8.7500%

$100,000

10010002

0.0000%

6.5000%

100.00000

fT 2000207840

09/27/2002

10/26/2002

10/25/2002

67500%

$110,000

10010002

00000%

6.5000%

100.00000

C 2000207810

09/27/2002

10/26/2002

10050002

67500%

$105,000

10010002

00000%

6.5000%

100.00000

G 2000209840

09/27/2002

10/26/2002

10050002

6.7500%

$100,000

10010002

00000%

6.5000%

100.00000

Total 20 Year Fixed

$415,000

0.0000%

6.5000%

100.00000

15 Year Fixed

C 2000217840

0305/2002

11/23/2002

110200 02

65000%

$100,000

11050002

0.0000%

6.5000%

100.00000

C 2000227840

09/25/2002

11/23/2002

11/220002

65000%

$90,000

11050002

00000%

6.5000%

100.00000

C 2000237840

09/25/2002

11/230002

11/22/2002

65000%

$135,000

11050002

00000%

6.5000%

100.00000

Total 15 Year Fixed

$325,000

0.0000%

6,5000%

100.00000

Errors occurred while trying to price these loans.

ProSpan Effective Expiration Scheduled Rat0
CaseFUe Date Data Closing

Expiration PNY p M .. T hfu

Date Indication Pa " ^ Indication

rh uate "aw

WYWF 2000207840 00/00/0000 00/00/0000 00/00/0000 0.0000% $999,999 -Sample short error message within me table.-
2000207840 00/00/0000 00/00/0000 OOAX)/0000 0.0000% $999,999 "Sample short error message within the table."
Total 30 Year Fixed $99,999,999

20YWF 2M0207e40 oo/oo/oooo oo/rjo/0000 oo/cc/oooo 0.0000% $999,999 -Sample short error message within the table.-

Total 20 Year Flxad $99,999,999

FIG. 54

Home Committing Pricing Transaction History My User Account Logout Help
Commit Loan Extension Product Changes
| Commit Loan | Commit Loan Results |

Commit Transaction Results.

Pri nt-TranaacUfflTs

Count Amount WtdAvgPNY WtdAvg Pass -Thru WldAvg Price
Total Loans In Batch: 167

98 $0,000,000 0.0000% 0.0000%

23 SO. 000. 000 0.0000% • 0.0000%

12 $0,000,000 0.0000%

. 133 $00,000,000 . 0.0000%

. 9
3

20 Vf Ffreo
15 Yf rW
Total Committed:

100.00000
100.00000
0.0000% 100.00000
0.0000% ' 100.00000

AD displayed loans have been successfully committed,
jctive Data: 00/00/0000

ProSpan
Case File

Effective
Oate

Lock

Expiration Scheduled
Date Dosing

Rate

30 Year Fixed / .

2000207840 00/00/0000 00/00/0000 00/00/0000 0.0000%

2100182561 00/00/0000 00/00/0000 00/00/0000 0.0000%

2100202571 00/00/0000 00/00/0000 00/00/0000 " 0.0000%

Total 30 Year Fixed •

View All

. Expiration
Oate

Commitment — Best Efforts
PNY Pass-Thru

$990,999
$999,999

$99,999,999

oo/oo/oooo

00/00/0000

oo/oo/oooo

0.0000% 0.0000%

0.0000% . 0.0000%

0.0000% 0.0000%

100.00000.
100.00000
100.00000
100.00000

20 Year Fixed,

2000207840 00/00/0000 00/00/0000 00/00/0000 0.0000% $999,999 00/00/0000 0.0000%

2100182561 00/00/0000 00/00/0000 00/00/0000 0.0000% $999,999 00/00/0000 0.0000%

2100202571 00/00/0000 00/00/0000 00X30/0000 0.0000% $999,999 OO/OO/OOOO 0.0000%

2768983450 00/00/0000 00/00/0000 00/00/0000 0.0000% $999,999 00/00/0000 . 0.0000%

Total 20 Year Fixed $99^99,999 0.0009%

0.0000%
0.0000%
0.0
0.0

100.00000
100.00000
100.00000
100.00000

15 Year Fixed .

2000207840 00/00/0000 00/00/0000 00/00/0000 0.0000% $999,999

2100182561 00/00/0000 00/00/0000 00/00/0000 0.0000% $999,999

2100202571 00/00/0000 00/00/0000 00/00/0000 0.0OO0% $999,999

Total 15 Year Fixed. $99,999,999

00/00/0000 0.0000%
00/00/0000 0.0000%
00/00/0000 . 0.0000%
0.0000%

0.0000%
0.0000%
0.0000%
0.0000%

100.00000
1 00.00000
100.00000
100.00000
View All

Errors occurred while trying to commit these

ProSpan Effective

Case File Oate Oate Closing
30 Year Fixed ^ .

2000197160 00/00/0000 00/00/0000 00/00/0000 0.0000%

2000206820 00/00/0000 00/00/0000 00/00/0000 0.0000%
Total 30 Year Fixed

Commitment — Best Efforts
PNY Pass-Thru

$909,999 "Sample short error message within the table"
$999,999 "Sample error message within the table."

20 Year Fixed

2560870568 00/00/0000 00/00/0000 OO/OO/OOOO 0.0000% $999,999 ••Sample short error message within the table"
Total 30 Year Fixed $99,999,999

FIG. 55

Home Committing Pricing Transaction History My User Account Log Out Help
Loans to Value Loans to Sell Servicing ...

TT\is page shows valuation Information about various toans in the system. If necessary, dick on the Import Loans link below to
8 with loan information. After that, there are a number of things you may do on ihis page:

To obtain pricing Information about the loans on the page; click on the Mark to Market button.
To change the servicing fees for toans. dick on the Change Servicing Knk. , ' _

To change the page's information Into a format suitable for printing, dick the Pnnt Transaction button.
To dear the Information on the screen, dick the a ear Loan Data burton (dtoking the Import Loans button will also
overwrite the current cache of information and replace the current information on the screen with new information).
To work on individual loans within loan categories, choose the View Loans or Edit Loans links at the bottom of each
column.

Status

Transaction Status:

Mark to Market by sxunna on May-30-02 12:12PM

1 -Day Mandatory
143

■ 1

Best
Efforts
65
59

Total Loan Amount

Weighted Average Market Price:

Weighted Average Servtdng:

Exceptions

$00,000,000 $00,000,000
$00,000,000 $00,000,000
25.0bps 35.0bpS

Transaction Total

208
60

$00,000,000
$00,000,000

Import Leans

Ctwnqe Servicing

BEB5EB35B

- >* Prtnt>Transactlorr>

=" Export Loan Data;

.dear Loan Data -

Loans Not Priced:

11
0

Produd Summary

Mandatory Product:

30 Yr Fixed

20 Yr Fixed

15 Yr Fixed ..-

10/1 ARM -

.7/1. ARM

5/1 ARM

_ 3/1 ARM

Wtd Avg Par Yield:

6.256

0.000

. . 0.000

0.000

Wtd Avg Pass-Thru:

6.650

0.000

Note Rata:

7.000

0.000

Remittance:

S/S

s/s

SVS

s/s

Loans Sold:

. io

. 10

Exduded:

Errors: .

. 1

View Lpans

View Loans

View Loans -

ylew Loans

View Loans
Edt Loans

view Laaoa

Edit Loans

View Loans

Edit Loans

Edil Loans

Best Efforts Product:

30 Yr Fixed

20 Yr Fix ed

15 Yr Fixed

10/1 ARM

7/1 ARM

5/1 ARM

3/1 ARM

Wtd Avg Par Yield:

8256

6.456

0.000

4256

6.444

5.234

Wtd Avg Pass-Thru:

&750

7.454

0.000

8.650

7.444

5.445

Note Rata:

7.000

8.000

. 0.000

7.000

8.000

5.230

Remittance: '

SVS

S/S

s/s

SVS

S/S

Loans Sold/Funded:

Exduded:

Errors:

View Lpans

View Loans

View Loans
EcW Loans

View Loans

Edit Loans

Echt Loans

Edit Loans .

. Edit Loans

Edit Loans

FIG. 56

My User Account . Log Out Help

Home Committing Pricing Transaction History
Loans to Value Loans to Sell Servicing

This page chows Information about various loans In the system, and allows you to sen iham. >f necessary, cHck on tho
Import Loan* link below to populate Cho page witn loan information. After that, tnero ero a numDii of rhinge you may do on
thla page:

• To obtain pricing information about the loona on the page, click on the Mar* to Market button. '■
To sen tne loans, eilck on the sen/Fund Loans button.

• To change oio servicing fees for loans, dick on tna Change Servicing link.

. To ctoar tno Information on tho screen, dick the Clear Loon Data button (clicking tho import Loane button will also
overwrite (he current cache of information end allow you to replece the current information on the screen with new
information)

• To work cn inoMouai loans vatftin loan categories, choose m« view Loans or Edit Loanc links at the Bottom of each
column.

Transaction Btatua:
La st Modified:

Import od by exunna on May~?0-02 12: 12PM

• Import Loans

Loans Successful* imported:
Loans Successfully Marked:

Total Upaid Principal Balance:
Weighted Avenge Market Price:
Weighted Averege Servicing:

t-Oay Mandatory Best Efforto Transaction Total

. Sen/Rind Lcan^.

Loans Not Prteed:
Loana Excluded:

Product Summary

'cT7 1

FIG. 57

Pfpellrie Wbpqg^

Home Committing Pricing Transaction History My User Account Log Out Help
Loans to Value Loans to Sell Servicing

Change Default Servicing Fees

1. Type a default servicing fee for each product.

2. Click the Apply button.

30-YMrFixed': '-v^ v- [405

rf.V"fttir«.:jf.->T-'»-'.- - : - v\v r* > - '

20 iV.a^Fnwd^'^:. j^O
15 Year Fixed . -pOO

FIG. 58

Transaction History My User Account Logout Help

Transaction History

Show transactions for the pastl 7 da y s III

WtdAvg WtdAvg WtdAvg Extension User
Transaction Time Count Amount PNY Pass-Thru Price Fees Name. Status

SfiJI JuM)1-02 11:01AM 175 S29.946.897.26 0,0000% 0.0000% 100.000000 $00,000 sQucmm Completed

Sfifl JuW)1-02 11:04AM 123 522,106.436.02 0.0000% 0.0000% 100.000000 $00,000 sxunna Completed

FIG. 59

SSL

Days from Close to Sale

To retrieve your hedge cost, please indicate the estimated number of days
. from closing to sale of the loan for the relevant loan purpose:

1. For a Purchase transaction

2. For a Refinance transaction

Hedge Costs ...

Current Settings New Settings*

|2 :day(s)

2 day(s)

3 day(s)

J day{s) .

To change a product^ hedge cost, modify th6. Minimum - Maximum Days ranges and the related Hedge Cost
(in points) under the rttew Settings section for that product You can create day ranges in any intervals
appropriate to your hejdge cost experience yfcay ranges may not overlap and no gaps may exist between
ranges. Once the modifications are madeyttick on the Commit Changes tab to continue.

Current Settings

Min. Days Max. Days Hedge Cost {In points)
0 30

31 .60

61
91

90
180

0.2
0.23
0.27
0.3

New Settings"
Min. Days -Max. Days Hedge Cost (in pointsU . _

{ 0 j - |30 | . 1 0.2 \ T l"-^

{ 023~

|027

I j

IZZZj C

j c

* Note: New Settings are pre-populated with current data.

FIG. 60

Lender ID:
Lender Name:

ABC Business Source.

Bustaess Source: [ABC Business Source [j

Current Settings
4hour(sj
Actual

New Settings*

P ; Next

?"-Jrl*' O r □ Business
hour's) Day

| Actual

Tradeoff the difference to j Tradeoff the difference to points BJ
points . ....... — .

Price Window

1 . For how long are price quotes valid?
Rounding

2. a) How would you like to display note

rates to the applicant?
. 2. b) What would you tike to do with the
difference between the actual note
rate and the rounded note rate?
2. c) How would you like to display points to
the applicant?

Miscellaneous Point Adjustment

To change a product's discount/premium point schedule, modify the Minimum - Maximum Loan Amount
ranges and the rejated Miscellaneous Point Adjustment under the NewSettings section for that product
Loan amount ranges may not overlap and no gaps may exist between ranges. Once the modifications are
made, dick on the Commit Changes tab i to continue:

Actual

Current Settings

New Settings*

Min. Loan
Amount

Max. Loan
Amount

Miscellaneous
Points

Min. Loan
Amount

Max. Loan .
Amount

Miscellaneous
Point Adjustment

0.00

50,000.00

0.614

. SJ9--9. :!

${50000.0 }

(0.614 |

50,001.00

1 00.000.00 :

0.624

${50001.0 {

${100000.0 j

j0.624 j

100,001.00.

150.000.00

0.634

$|100001.0 J

$|1SOOOO.O.__ j

{0.634 j

150.001.00

200,000.00

0.644

${150001.0 |

$|200000.0

{0.644 |

200,001.00

275,000.00

0.654

$|200001.0 j

$|275000.0 j

|0.654 j

$L J

si..- . !

I .... I

- $r

• Note: New Settings are pro-populated with current data.

FIG. 61

mil

g-j [ Co mini I Cnangea )

Click on the Commit Changes button to effect these changes..

The database will be updated with your changes upon clicking the "Commit Changes" button. The changes'
will take effect on the screen within 1 5 minutes.

FIG. 62

[ Create User ^

Create a New User Registration

To create a new user you must complete the required fields and assign the user to be a Member of at least one group. Once completed, cBck
Save'. An email win then be sent to the user with their account details and instructions.

Last Name*

First Name*

Access

[5c

[ John

|doe12

|john.doe@demo.com

Pipeline Mgr Sell
Pipeline Mgr. Mark
Case File Mgr- Basic

. Advise - Basic
Platform Admin - Read Only
Access Admin - Advanced
Pipeline Mgr Commit
Pipeline Mgr Commit- Read-On
Pipeline Mgr Sell - Read-Only
Pipeline Mgr Mark - Read Only

* Required field

Location
Work Phone
Fax

| DC area 111

I !J_1I l«

I — u—yr — [

63/D

FIG. 63

Find a User

To find s user account enter trie user lastnarne or iisernama. You may use a wildcard (*) to widen your search, but una wildcard must be
accompanied by at least one character (e.g. entof-sm- in he last name flew to get all last names stattinQ with "snr)

Last Name
First Kama

Access Rights

{Doe

• \

1 !

|Ata

FIG. 64

1 mmmmsm jttffljgnwat

Rnd Users Rtsutts

To view (he user account details, dick on the usemama.

Sort by:

| Last Name vtJ | descending

2 users found. Users 1 to 2 displayed.

FIG. 65

" Generate a Report

***** ^^^SS^^^^f^^ report *c*eto anddk* Generate Report. You may use a wildcard (*) to wtoen your
provides contact information. To « repo^e^ta ^L^^^ 1 ^ g m the last name ftefo to get al tan names starting with

search, but the wildcard must be accompanied by at toast one

Report tonnsL .

Find ao user* where
Access RlQhts (optional)

6' Auda Report
C User Report

| Last Nama ljlPn

13 [DoT"

FIG. 66

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Full text of "USPTO Patents Application 10736399"

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